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When preparing a report for a credit committee meeting, a credit analyst must assess the liquidity of a small regional bank using its quarterly financial statements from the past three years. Given this context, which specific trend observed in these financial statements should the credit analyst be most concerned about regarding the bank's liquidity?
A
The bank's average net federal funds and repurchase agreements position has been increasing.
B
The bank's capacity ratio has been increasing.
C
The bank's pledged securities ratio has been decreasing.
D
The bank's loan commitments ratio has been decreasing.